Call reports 2009
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2009
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 106,419,000 | 122,645,000 | 120,540,000 | 130,622,000 |
| Total loans | 83,008,000 | 99,952,000 | 99,738,000 | 103,755,000 |
| Allowance for loan losses | 600,000 | 606,000 | 686,000 | 806,000 |
| Securities available for sale | 5,029,000 | 4,956,000 | 5,846,000 | 11,230,000 |
| Securities held to maturity | 10,025,000 | 9,199,000 | 8,246,000 | 7,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,923,000 | 94,428,000 | 97,950,000 | 101,904,000 |
| Interest-bearing deposits | 67,946,000 | 77,222,000 | 81,372,000 | 84,893,000 |
| Noninterest-bearing deposits | 17,977,000 | 17,206,000 | 16,578,000 | 17,011,000 |
| Equity capital | 7,946,000 | 8,214,000 | 8,582,000 | 8,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,448,000 | 3,008,000 | 4,631,000 | 6,292,000 |
| Interest expense | 485,000 | 984,000 | 1,532,000 | 2,085,000 |
| Net interest income | 963,000 | 2,024,000 | 3,099,000 | 4,207,000 |
| Noninterest income | 194,000 | 418,000 | 662,000 | 882,000 |
| Noninterest expense | 883,000 | 1,756,000 | 2,551,000 | 3,564,000 |
| Provision for loan losses | 30,000 | 75,000 | 165,000 | 295,000 |
| Pretax income | 307,000 | 729,000 | 1,163,000 | 1,408,000 |
| Income tax | 77,000 | 188,000 | 295,000 | 351,000 |
| Net income | 230,000 | 541,000 | 868,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,860,000 | 8,171,000 | 8,499,000 | 8,676,000 |
| Total capital | 8,460,000 | 8,777,000 | 9,185,000 | 9,482,000 |
| Risk-weighted assets | 73,062,000 | 86,129,000 | 85,985,000 | 91,543,000 |